Owning a classic car, ATV, or boat is more than just having a mode of transportation—it’s about passion, recreation, and pride in ownership. However, these unique assets require protection that standard auto or homeowner policies can’t provide. Classic cars, for instance, are valued differently than regular vehicles, often appreciating over time rather than depreciating. Specialized insurance policies take this into account, ensuring that your vehicle’s actual value is covered in the event of damage or loss.

Classic Cars: Protecting Timeless Investments

Classic car enthusiasts understand that these vehicles represent history, craftsmanship, and personal dedication. Unlike standard cars, classic models often increase in value, making typical auto coverage insufficient. Specialized classic car insurance covers factors such as agreed value, limited use, and the cost of authentic replacement parts. This ensures that your prized vehicle receives the exact care and compensation it deserves in case of an accident, theft, or damage.

ATVs and Recreational Vehicles: Coverage for Off-Road Adventures

ATVs and recreational vehicles are designed for adventure, but with that excitement comes risk. Standard auto policies rarely extend to off-road use, meaning you could be left without coverage for accidents or injuries that occur on trails or uneven terrain. Specialized ATV and RV insurance protects against these unique hazards, covering collisions, liability, and even medical payments. It also offers additional coverage options for personal belongings, custom equipment, and travel-related incidents.

Boats and Watercraft: Navigating Nautical Hazards

Boating offers freedom and relaxation, but it also introduces unique risks that require tailored insurance. Standard homeowner policies often exclude water damage or limit coverage to small boats. A dedicated boat insurance policy covers accidents, storm damage, theft, and even towing or salvage costs. It can also include liability protection for injuries or property damage caused while operating your vessel—giving you peace of mind whether you’re cruising locally or taking a trip into Mexican waters where specialized Mexico auto and boat insurance may apply.

Every specialty vehicle—whether a classic car, ATV, RV, or boat—represents a personal investment and a piece of your lifestyle. With specialized insurance, you can enjoy your hobbies knowing that your assets are fully protected under the proper coverage. Don’t rely on general policies that leave gaps in protection.

Get Complete Protection for Your Specialty Vehicles

Standard insurance often overlooks the unique needs of classic car, ATV, RV, and boat owners. Koda Insurance Services can help by designing custom coverage that truly fits your lifestyle. We can secure agreed-value protection for classic cars, add liability and medical coverage for off-road ATVs, include towing and damage coverage for boats, and even extend your policy for Mexico travel. Our experienced team works with you to build the right plan, ensuring your valuable vehicles stay protected wherever adventure takes you. Call us today at (619) 600-5550 or complete our online form to get started.